Ліга страхових організацій України

This is due to the tax burden on insurance companies and loss of voluntary health insurance

Today more and more a question of sustainable development. And regardless of whether private or state capital this theme in Ukraine actively discussed at all levels of the large backbone companies. This refers primarily to organizations that aim to be socially responsible.

These enterprises through various social programs owned Ukrzaliznytsia (State Administration of Railway Transport of Ukraine). Primarily because the company introduces for 15 years for its employees voluntary medical insurance. Given the fact that the end system reform Ukrzaliznytsia, you can consider the prospects for health insurance companies in our country.

Why not appreciate health

How many Ukrainian now have health insurance? Very little. We can say that the entire population is covered by health insurance no more than 5%. The reasons are several. First of all, this type of insurance technology because it comes to ensuring protection of the most valuable thing in human -health. It is necessary to accurately calculate insurance rates, have clock qualified assistance (specialized companies that provide services within the insurance contract). Do not do without professional medical coordinators can establish diagnoses along with specialists from hospitals and doctors in the state of the companies that develop and constantly will perfect insurance programs. Therefore, the reputation and respect of colleagues in this market to earn hard and long. Ukraine has very few insurance companies are willing to develop this type of insurance. Mostly these big companies that specialize in this kind of services.

However, ordinary Ukrainian seems that insurance companies that are engaged in voluntary medical insurance (VMI), receive a high enough profit from payments of customers. Disappoint the reader profitability health insurance question. This complex and most unprofitable type of insurance. Here is an example: if the property insurance loss ratio averages about 30%, in voluntary medical insurance – 75%, and some insurance companies – more than 100%. That payment from UAH 100 to UAH 75 person return. And no one notes that 25% of those funds at the disposal of the insurer, used to pay taxes. They have increased this year by the introduction of the principle of double taxation (sales and profits), also formed allocations to reserve funds, the cost of maintenance contract, unforeseen costs that arise due to a sharp jump in the exchange rate.

Do you know why insurance companies do not insure almost separate people and groups most? It is precisely because the division of risk within the group of people there is a minimum profitability for companies engaged in this kind of services. Otherwise, our insurers would work at a loss. And when talking about health insurance, even work with corporate clients are often on the verge permissible. It’s hard to believe, but true.

Real Ukraine in this segment even incorrect to compare with other countries, where the loss of health insurance may reach 80-85%. The fact is that in Europe there are state preferences. Our insurance companies are working to advance this very important type of social protection without privileges and preferences. Important to both: their allies are the responsible companies that provide their employees health policies. Ukrzaliznytsia in this regard – the example of many employers in our country. And her choice of insurance company for health insurance professionals inspires respect.

Employers save on social programs

According to a study conducted by the portal HeadHunter this summer, with the onset of the crisis in Ukraine, most employers started to cut the budget for staff and save money on social programs, particularly in the corporate voluntary health insurance. According to this survey, 35% of employees believe that their company does not care about the health of employees, 20% provide a normal schedule, 4% – dinners and 14% – health insurance.

We know that many small companies reviewing conditions in their collective agreements health insurance towards narrowing insurance protection. Large enterprises are, on the contrary, trying to keep the relationship with insurance partners as it understands that the crisis other companies are unlikely want to risk and offer better conditions in this type of health insurance. On the other hand, many insurance companies as the crisis began to make changes in their contracts. Mostly they reduce coverage or increase the cost of insurance premiums, as the rising cost of medicines and health services leads to a further increase loss of VMI, and so that companies in need of significant control. If your company is to meet you, consider yourself lucky.

Pending changes

What changes can be expected in the near future in terms of legislation in the field of health insurance? Post healthcare reform has been actively revived in the design documents of the Cabinet of Ministers, ministries, initiatives deputies. Several years ago, gained medical insurance mechanism and pensioners UZ was officially invited to the parliamentary hearings “Ways of reforming health care and health insurance in Ukraine” for use in the introduction of compulsory medical insurance in Ukraine. I think this is an important achievement, and in this respect revealing the activities of the insurance company “Neftegazstrakh”, which for many years headed ratings of insurers of health insurance is part of the Board and Committee of the League of health insurance as an authoritative expert in the field, whose experience worthy of implementation in other areas .

League best efforts to medical insurance in Ukraine shifted to another level and received preferential treatment from the state. Our experts together with specialists of insurance companies operating in the commission of development and introduction of compulsory health insurance under the Ministry of Health of Ukraine. They prepared a bill according to which, as planned, employers will be allowed to enroll in the gross expenditure purchase VMI policies for their employees. A similar provision is contained in the draft amendments to the Tax Code. This initiative will stimulate enterprises to purchase VMI program by reducing their taxable income.

We expect that, subject to approval of the bill size of the market for voluntary health insurance 1.5 billion a year, of which the share of enterprises today is about 65%, increase by 15%. This means that to get quality insurance protection can more Ukrainian.

And for those who are thinking about purchasing a policy from VMI, I recommend to look at the market to understand and reliable insurance company, which is time-tested, and which may for the time being not notice. It is important in this period of crisis we all work on trust, rely on partners who are going to meet, support and promises not speculate, but simply doing their job. On this principle works and League of insurance organizations, and this will build long-term projects and relationships. Take care of what you have: health, family, employers and partners.

Alexander Filonyuk,

president of the League of Insurance Organizations of Ukraine,

PhD public administration,

for “Uruadovuy curier”

REFERENCE “UC”

The policy of voluntary medical insurance – is an agreement on voluntary medical insurance, which placed the insurer (insurance company) and the insured – the person (individual) or company (legal entity).

League of Insurance Organizations of Ukraine – the most influential association of insurance market of Ukraine, created in 1992 to protect the interests of its members and other participants in the insurance market.

Insurance company “Neftegazstrakh” was founded in 1995. It has 19 licenses for five compulsory and 14 voluntary types of insurance. Special Offers insurance products to individuals and legal entities on the basis of features, specific industry and so on. Inculcated IC “Neftegazstrakh” during the last five years VMI system covers about 500,000 people. It is one of the largest by the number of insured in Ukraine has gained health insurance mechanism for workers and pensioners of Ukrzaliznitsya.